Mutuel or ÖKK in Region 2 of canton Bern?
In Region 2, ÖKK is CHF 596.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
ÖKK comes down to CHF 503.40 a month, Mutuel to CHF 553.10. The gap is CHF 596.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to ÖKK is worth CHF 117.60 more a year. Visana
Where they stand in the region
Mutuel ranks 23 and ÖKK ranks 3, out of 26 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | Mutuel | ÖKK | Gap |
|---|---|---|---|
| 300 | CHF 632.10 | CHF 572.00 | + 60.10 |
| 500 | CHF 620.60 | CHF 560.40 | + 60.20 |
| 1'000 | CHF 591.60 | CHF 531.20 | + 60.40 |
| 1'500 | CHF 562.10 | CHF 502.00 | + 60.10 |
| 2'000 | CHF 533.10 | CHF 472.90 | + 60.20 |
| 2'500 | CHF 504.10 | CHF 443.70 | + 60.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | ÖKK |
|---|---|---|
| Other model | CHF 553.10 | CHF 514.80 |
| HMO practice | CHF 556.20 | CHF 503.40 |
| Family doctor | CHF 575.20 | CHF 514.80 |
| Free choice of doctor | CHF 632.10 | CHF 572.00 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and ÖKK by + 4.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.